Date Received: 2023-02-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX are violating my FCRA rights and FDCPA They won't remove delete wrong inaccurate unproved uncompliant untrue allegations from my credit report. they keep saying its verified without verifying. The entry reads : [ Collection /Chargeoff Accounts : Accounts seriously past due ] [ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NORDSTM/TD XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX -- High Balance : {$800.00} {$0.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$0.00} {$0.00} -- Closed Date : XXXX -- -- Account Rating : Paid Paid -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Complete Department Stores - Clothing All Banks XXXX Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Payment after charge off/collection Settled - less than full balance Account legally paid in full for lass than the full balance. Unpaid balance reported as a loss by credit grantor. Account legally paid in full for less than the full balance. -- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} -- Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$500.00} {$500.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX entry reads : -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX Account # : -- XXXX -- High Balance : -- {$5400.00} -- Last Verified : -- -- -- Date of Last Activity : -- XX/XX/XXXX -- Date Reported : -- XX/XX/XXXX -- Date Opened : -- XX/XX/XXXX -- Balance Owed : -- {$5400.00} -- Closed Date : -- -- -- Account Rating : -- Derogatory -- Account Description : -- Individual -- Dispute Status : -- Account not disputed -- Creditor Type : -- Bulk Purchase Finance -- Account Status : -- Closed -- Payment Status : -- Collection/Chargeoff -- Creditor Remarks : -- Customer disputed account - reported by subscriber. Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. -- Payment Amount : -- {$0.00} -- Last Payment : -- -- Term Length : -- XXXX Month ( XXXX ) -- Past Due Amount : -- {$5400.00} -- Account Type : -- Unknown - credit extension, review, or collection -- Payment Frequency : -- -- -- Credit Limit : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- With Truncated Account Numbers. This information is being reported erroneously and illegally under the provisions of the Fair Credit Reporting Act, section 611 ( a ) ( 1 ) ( A ). This account was paid and satisfied as agreed. This account was never charged off as listed or went into collection as listed.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a CLOSED visa credit account at TD Bank NA which is disputed and affected by a natural or declared natural disaster. The FCRA and XXXX XXXX protocols require reporting my CLOSED account as ( 1 ) disputed and ( 2 ) affected by natural or declared disaster. However, my XXXX, XXXX and XXXX credit reports fail to accurately reflect that my account is disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete for failure to contain the mandatory information. Either delete my TD Bank NA visa account or include the statutory reference that my account is both disputed by consumer AND affected by a natural or declared disaster. I insist on 100 % compliance with the FCRA and all XXXX XXXX protocols including the reporting on paper credit reports of all data reported in the XXXX XXXX submissions. I also insist on 100 % compliance with necessary internal controls to prevent Facially False Data from appearing on my credit reports. My credit report has daily entries where the data entry for Closed account is removed then at some time later replaced with a dispute code then deleted again with a code for consumer affected by a natural disaster thereby affectively changing a closed account to an Open account. Since the entire XXXX XXXX system is incapable of complying with the FCRA to prevent Facially False Data from reappearing ( such as a dead person coming back to life ) ( or a closed account being later reported as open ) then my account must be permanently deleted to avoid further willful violations of the FCRA.
Company Response:
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act TD Bank USA/ Target Credit XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Im responding in regards to your response on original XXXX. You stated that youre not reporting to my credit so I will attach the current inquiry that YOU ARE reporting on my credit report. Please remove this asap since you stated youre not.
Company Response:
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I think the company, Target, is determined to not address what was verbally discussed, the initial issue that occurred. I think you are going to continue to circumvent the facts, especially the discussion that took place on XXXX and now, XXXX. This was supposed to be recorded. (??? ). People do not always write down things accurately, what was actually discussed. People can be very selective in writing notes. Too many times I have heard a variety of contradictory comments from many of your reps. I am glad they have jobs. This is good. In response to their letter dated XXXX, please check phone records and notes on XXXX. I made a phone payment of {$29.00} to XXXX out my account. Their rep clearly stated my account was XXXX, after I reluctantly paid the {$29.00} late fee, which the company offered to credit back to me on XXXX, if I made a telephone payment on XXXX. As stated, I had clearly informed the rep I would submit the remaining balance of {$45.00}, which your company received the very next day, XXXX. They stated that upon receipt Target could credit the {$29.00}. I discovered, via phone conversations with some of the reps, that they claim I was supposed to call back on XXXX or some time thereafter, so that the reps could credit back the {$29.00} fee as discussed and offered on XXXX. Its obvious that the reps do not always note in their notes what was discussed. Please check the phone records! Please note, it is only because of the of the fact that my account was NOT CREDITED AS DISCUSSED WHEN TARGET COMPANY RECEIVED THE {$45.00} ON XXXX, this resulted in a DOMINO EFFECT of Targets computer-generated late charges + interest. Logically, one should be able to deduce that had you, Target, honored your own words, we would not be having this ongoing dispute. I hold Target XXXX, accountable to honor their words. Its all principle! Please check the phone records and all of your notes. Some of the reps claim they see this problem ( the {$29.00} fee not being credited back ) of what exactly happened and claim they have noted this accordingly. And, some of the reps claim they do not know how to handle advance payments like I paid on XXXX and XXXX. Respectively. And the some of the reps only state I did not pay a full balance, which is false, because it was clearly discussed that the remaining balance of {$45.00} would be paid via my bank by mail which you received the next day. I stated on XXXX the remaining balance of {$45.00} would be paid immediately via bank by mail. Your company received it the very next day and failed to honor its own word in crediting me back the {$29.00} late fee. Nobody from this company took the offer off the table to credit back the {$29.00} late which was offered on XXXX. AND THIS SHOULD STILL BE HONORED B/C Target OFFERED IT. As mentioned, many of the reps claim I was supposed to call in back in XXXX and the {$29.00} late fee offer would have been honored and credited as a courtesy. This is what was I informed. I thought Target would have checked its own notes and records upon immediate receipt the very next day of the remaining balance. It appears that Target does not have the ability to adjust advance payments like what my other creditors do when I make payments in advance to stay ahead monthly. As noted, I already paid for the XX/XX/XXXX, minimum due payment of {$29.00} back on XX/XX/XXXX. See below. XXXX XX/XX/XXXX, I made a purchase of {$120.00}, which I paid off in two months BTW! XXXX XX/XX/XXXX, I paid {$30.00} for the upcoming XXXX statement. The minimum payment due for the XX/XX/XXXX bill was {$29.00}. XXXX days later, XX/XX/XXXX, I made another payment of {$50.00} towards {$29.00} due in XX/XX/XXXX. As mentioned, I did not realize I even had a balance because I thought my account had been XXXX out after XX/XX/XXXX. We, us consumers, do not receive statements when account balances are XXXX. LOOK at my statement historyspread out. And I had NOT made any new purchases, so I have no reason to think I have an open statement. Later, and only by accident in trying to use the redcard for a XXXX purchase, I had learned of additional charges on my card. After the rep rightfully credited back two {$40.00} late fees and respective interest, I reluctantly paid the {$29.00} late fee on XX/XX/XXXX, basically to avoid further damage by the target company reporting incorrect info regarding my good credit payment history over the past 9.5 years. Moving forward, for some odd reason, Target charged my account a {$29.00} " purchase adjustment fee '' (??? ) on XXXX. This is BIZZARE! I am so glad I checked the online statement because, I again, assumed my account had been XXXX out on XXXX, and as mentioned by the rep who took the payment over the phone on XXXX. And then Target sent me a check dated XXXX of {$29.00}, without explanation. This is confusing b/c it appears Target honored ITS WORD and my request to refund the late fee as discussed back on XXXX. XXXX XX/XX/XXXX, I learned, only by coincidence, that TD Bank USA/Target Credit had charged me a {$29.00} late fee, of which was to be credited back upon receipt of remaining balance of XXXX. Check your phone records and conversations with your rep, especially on XXXX, and thereafter. XXXX XX/XX/XXXX, I paid off the remaining balance of XXXX. XXXX paid off in two months! XXXX XX/XX/XXXX, I reluctantly paid the {$29.00} fee to avoid further damage to my account status. Your rep clearly stated my account balance was now XXXX. XXXX XXXX, XXXX, your company charged my account, UNKNOWN TO ME, a purchase adjustment of {$29.00}, of which your reps can not explain. * I received a check of {$29.00}, dated XX/XX/XXXX, with no explanation. Please note that in response to Target letter XXXX, I was never advised the offer was declined when I mentioned Target would receive immediate payment bank by mail. The fact of the matter is many of the Target reps mentioned they saw the offer to waive or credit back the {$29.00} when I clearly mentioned I was going to submit payment for the remaining balance of {$45.00} via bank by mail. As far as me being refunded my payment back, on XX/XX/XXXX, Target company charged me, UNKNOWN TO ME, a purchase adjustment of {$29.00}, of which their reps can not explain. And, I received a check of {$29.00}, dated XX/XX/XXXX, with no explanation. In response to Target letter XXXX, There was never a minder, let alone a reminder I am familiar with regarding payments made more than the minimum payment and/or in advance. As mentioned, I had paid towards my account, in advance, since the XXXX payment had already been made back in XX/XX/XXXX. All of my creditors apply extra payments towards the next month or next payment due, unless I specifically request otherwise. I applaud Target 's sentiments on helping active service members under the SRCA for debt relief and legal aid for matters that really warrant such help. This sounds good when the shoe fits. This is not one of those matters, and I never mentioned I am an active service member. 1The credit limit that Target initially lowered two years ago was based off inaccurate information and algorithms. Another TD bank vendor did exactly what your company did two years ago and investigated this matter, corrected it, and apologized with a formal letter and correction. In this present day of inflation, Covid-19, high gas prices, life issues, etc., it is important to maintain good credit to live, survive, and thrive. In my situation, or any similar which consumers go through, what Target XXXX has reported is NOT CORRECT. This is not fair for consumers who act, in good faith, honoring our part. Target DID NOT honor its part by manually correcting miscommunication, human error, a companys inability to correct certain issues, and/or computer error. I, or any consumer, should not be penalized. Target is circumventing facts, and is not reporting accurate information and presenting a complete picture. Target is circumventing the facts. CORRECTIVE ACTIONS TARGET NEEDS TO TAKE : XXXX XXXX XXXX XXXX XXXX XXXX to remove the 30-day late notice from my account. I paid on time, over paid, pre-paid, and paid in advance. *Have a human being manually restore the credit limit to previous credit limit. Target 's latest credit limit is a joke. I think this is Target 's method to shame responsible consumers. This is very tacky and disrespectful. FYI : ( 1Target initially lowered my limit due to my non-use ) *Refund {$29.00} late fee I reluctantly paid to avoid further confusion with Target. ( Already done, although not noted nor explained in conjunction with that purchase adjustment fee first charged before issuing a refund. This odd fee voids out my refund request for a fee I had already reluctantly paid, yet did pay. ) Why charge me and then issue a check dated after the date of the charge? This is very bizarre! According to the FCRA, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. It is my hope and prayer that Target manually correct to match what was discussed. This problem resulted from your company not honoring what your representatives stated would be honored, and which was supposed to be a recorded conversation versus notes perhaps not correctly written down Thank you for your prompt attention to this matter. Cordially, XXXX XXXX XXXX XXXX. # XXXX 1TD Bank computer algorithm was not accurate and lowered my good credit 2 years ago based off my factual perfect payment history, 720+ FICO ; Target claimed old, outdated, non-factual information >8 years because consumer was not using their financial product. Target reduced XXXX down to XXXX.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Yesterday, XX/XX/23, I received an alert that a Hard Inquiry was done by TD Card Services against my credit. I have not recently or ever applied for a TD Bank Credit Card. This was only an inquiry and it does not appear that the credit card was approved.
Company Response:
State: PA
Zip: 18045
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: i was robed and atm and my pin number was demanded which the suspect withdrew funds from my account as instructed by td bank, i filed a dispute and td bank denied my claim stating that i gave out my pin number, however it was a life threatning cituation and the transaction were unauthorized, td bank failed to propaly investiagte my claim
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX at XXXX XXXX I placed an order through XXXX at XXXX for 2 2 for {$25.00} entrees and 2 desserts. The 2 for {$25.00} include 1 appetizers and 2 entrees each. The first 2 for {$25.00} was an appetizer of mozzarella sticks and 2 entrees ( one broccoli chicken Alfredo and the second was four cheese Mac and cheese with pepper honey chicken tenders ). The second 2 for {$25.00} was a mozzarella stick appetizer and two chicken tender entrees. The desserts were blue ribbon Brownie and cinnabon mini swirls. I received a text that the XXXX had delivered the food at XXXXXXXX XXXX with a picture of one bag. Image is also attached of message. Upon opening the bag we had only received one entree which was the broccoli chicken Alfredo. I then called the XXXX in which I asked if there was by chance any other bags but XXXX was extremely unhelpful and would not communicate regard the delivery. I then contacted the XXXX help chat in which they credited my XXXX account {$22.00}. I then contacted them help chat again noting that I only received one entree and was missing 3 entree, 2 appetizers and 2 desserts. They informed they that would send it up for investigation but I did not receive a response in the 2 hour time frame they informed me off. The next day I contacted the XXXX customer service line and spoke to an agent. The agent told me basically the same thing as the help chat that he would escalate the matter for investigation and that I would again have a response in 2 hours. I waited almost three and had no email, which was the form of contact he stated they would be using. I waited for the charge to be posted to my checking account and then call to bank to dispute the charge. They credited my account for {$100.00}. Today XX/XX/2023 I received the paper from my back which stated there was no error of the charge and that the would be reversing the credit as of XX/XX/2023.
Company Response:
State: PA
Zip: 19134
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My complaint is with TDBank in XXXX MD. I have tried to resolve this issue by telephone, in person and by a format letter all to no avail. TDBank is refusing to provide two chargebacks to my checking account. As of XXXXXXXX a company XXXX credited two chargeback payments of {$85.00} and {$35.00} respectively to TDBANK for my checking account. TD Bank will not accept this action from XXXX on their behalf because it was not in my account at TD Bank. I have submitted an Invoice emailed to my bank with the details of the accounting for the funds as being charged back to my checking account. However TD Bank is proclaiming that it was not paid because it is not in my account statement. In my letter to TD Bank I asked for an investigation of their claims. I dont have any thing to do with their banking processing of customer accounts and chargebacks. This the banks responsibility to handle this issue with XXXX. Please note that TD Bank took several weeks or more to investigate this matter I was disputing with XXXX regarding that I never received the XXXX XXXX XXXX that they were supposed to provide me with. I called them XXXX and told them that and they sounded like they were a fraud or scam. So I asked for my money back and they said they would not give it back. I then contacted my bank TD Bank and filed a dispute on my behalf. By them taking so long to resolve the dispute in my favor they became aware that I had stopped my direct deposit and was closing my bank accounts. This is when they informed me that they were not going to be able to charge back the money from XXXX. I knew immediately why because I was going to no longer be a customer. I went into the bank and showed the person at the desk the Invoice information regarding the payment that was charged back to TD Bank but she refused to accept it. I even called the XXXX billing and the customer representative spoke to their billing person and still she didnt care to respond or resolve my concern. This person had a nonchalant attitude and proceeded to help someone else. She had the attitude of being I was not a customer of TD Bank so she is not going to help me resolve this issue. I am a XXXX yo retired single person who has been with TD Bank since XXXX when they were named The XXXX XXXX XXXX XXXX XXXX MD. They have been charging me over {$12.00} a month service fees for a checking and savings account with .01 % interest. This bank is the most non customer friendly and of no financial gain options that are nonexistent for me or anyone else to continue banking with. I would like my money credited back to my checking account and the service fees that are still being charged to my accounts be removed so I can afford to close the open accounts. TD Bank will not allow these accounts to be closed until I pay {$130.00} which includes the {$85.00} total of the chargebacks and their unfair service fees by this bank. I appreciate CFPB for their help and support of consumers rights when it comes to unfair practices by banks and other financial institutions.
Company Response:
State: MD
Zip: 20735
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I paid my full Target store credit card balance ( XX/XX/2022 ) via bill pay from my XXXX XXXXXXXX XXXX checking account. Targets credit card servicer, TD bank cashed the check and has accused me of not paying the bill. I have spent hours on multiple phone calls with them over the course of 5 months with no result. Twice I have gotten them on the phone with XXXX XXXX XXXX, who confirmed that TD bank cashed the check and the bill was payed. At this point, this is fraud and extortion. I have no recourse other than hiring a lawyer which would cost more than the bill they are claiming I havent paid ( {$380.00} ). I have received multiple letters saying my claim is denied, despite sending scans of the transmittal from the bank and having my bank directly fax them the documents. This company XXXX TD Bank XXXX, is committing fraud and theft while posing as a legitimate, accredited financial institution, and I am being relentlessly harrassed by them for a bill that I paid. This is blatant theft and there should be consequences.
Company Response:
State: NY
Zip: 120XX
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A